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FAKTOR-FAKTOR YANG MEMPENGARUHI PENGGUNAAN BSI MOBILE DI SAMARINDA: PENDEKATAN MODEL UNIFIED THEORY OF ACCEPTANCE AND USE OF TECHNOLOGY (UTAUT) Amelia, Reski; Nuryadin, M Birusman; Komariah, Kokom
Indonesian Scientific Journal of Islamic Finance Vol 2 No 2 (2024): Indonesian Scientific Journal of Islamic Finance
Publisher : Faculty of Islamic Economics and Business, Sultan Aji Muhammad Idris State Islamic University of Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/inasjif.v2i2.7696

Pertumbuhan penggunaan layanan perbankan digital di Indonesia terus meningkat seiring dengan perkembangan informasi teknologi saat ini. BSI mobile merupakan aplikasi layanan dari Bank S yariah Indonesia yang diharapkan dapat memberikan kemudahan kepada nasabah. Model Unified Theory of Acceptance and Use of Technology (UTAUT) berfungsi untuk mendeteksi tingkat penerimaan suatu teknologi. Tujuan dari penelitian ini adalah untuk mengetahui pengaruh ekspektasi kinerja, ekspektasi upaya, pengaruh sosial, dan kondisi fasilitas serta persepsi biaya terhadap penggunaan BSI mobile di Samarinda. Penelitian ini menggunakan metode penelitian kuantitatif dengan pendekatan asosiatif. Populasi dalam penelitian ini adalah nasabah aktif BSI di Samarinda yang telah terdaftar sebagai pengguna ponsel BSI, sedangkan sampel yang digunakan sebanyak 97 responden. Pengambilan sampel dilakukan dengan metode purposive sampling dan teknik pengukuran dengan skala likert. Metode analisis data yang digunakan adalah analisis asumsi klasik, analisis regresi berganda, uji t, dan uji F bantuan dengan SPSS Ver.24. Hasil penelitian menunjukkan bahwa variabel ekspektasi kinerja, ekspektasi upaya, dan pengaruh sosial secara parsial berpengaruh positif dan signifikan. Sedangkan kondisi fasilitasi tidak mempunyai pengaruh yang positif dan tidak signifikan, dan biaya yang dirasakan hanya mempunyai pengaruh yang positif dan tidak signifikan. Kemudian secara simultan variabel ekspektasi kinerja, ekspektasi upaya, pengaruh sosial, kondisi fasilitasi, dan persepsi biaya berpengaruh positif dan signifikan terhadap penggunaan BSI mobile di Samarinda.

THE APPLICATION OF WIND BLOWS GAME TO DEVELOP STUDENTS’ VOCABULARY AT THE EIGHTH GRADE IN MTS MA’ARIF BOLAROMANG Amelia, Reski; Amin, Bahrun; Mahmudah, Dzur Rif'ah
Journal of Computer Interaction in Education Vol. 4 No. 2 (2021): JCIE : Virtual Learning and Asynchronous Learning
Publisher : FKIP Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar

The research aims to find out the application of Wind Blows Game to develop students’ vocabulary at the eighth grade in MTs Ma’arif Bolaromang. This research was conducted in a pre-experimental using a quantitative approach. To collect the data from the students, the researcher was use test (vocabulary test). The sample was selected by using total sampling because the researcher took one class at the eighth grade in MTs Ma’arif Bolaromang. The sample in this research was 20 students. The research found that there was a significant difference between students' pre-test and post-test scores. The students' mean score before treatment was 47.75, but it improved to 78.75 after applying Wind Blows Game. While the students' mean score in the term of verb before treatment was 52, it improved to 76 after treatment. It's the same with the students' mean score in the term of noun, which was 43.5 before treatment and 81.5 after applied Wind Blows Game. Furthermore, t-test analysis showed that t-test value was bigger than t-table, indicating that students' vocabulary totally (12.03>1.729), verb (6.99>1.729), and noun (10.57>1.729) were all higher than t-table. As a result, the Null Hypothesis (H0) was rejected and the Alternative Hypothesis (H1) was accepted as the research hypothesis. It shows that Wind Blows Game was successful in developing students' verb and noun vocabulary

Analysis of Hedging Strategies for Optimal Risk Management in Islamic Banking Adelisa, Nur Rahma; Amelia, Reski; Nabila, Ila; Arsyad, Kamaruddin; Kamil, Muh. Ahsan
International Journal on Advanced Science, Education, and Religion Vol 8 No 3 (2025): IJoASER (International Journal on Advanced Science, Education)
Publisher : Sekolah Tinggi Agama Islam Al-Furqan, Makassar - Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33648/ijoaser.v8i3.1356

This study aims to analyze the implementation of hedging strategies as an optimal risk management approach in Islamic banking institutions in Indonesia. Facing global economic volatility and currency fluctuations, Islamic banks are required to adopt risk management policies that are not only financially effective but also compliant with Sharia principles. This research employs a qualitative approach using library research methods by reviewing academic literature, DSN-MUI fatwas. The findings reveal that internal factors such as liquidity, leverage, firm size, and financial condition significantly influence the decision to apply hedging within Islamic banks. Meanwhile, external factors—including government policies, regulatory changes, and global market dynamics—further reinforce the necessity of risk management strategies grounded in justice and sustainability. The implementation of Sharia-based hedging is proven to enhance financial stability, strengthen public trust, and improve the competitiveness of the Islamic financial industry at both national and international levels. This study contributes theoretically and practically to the development of innovative, ethical, and sustainable Sharia-compliant financial instruments

Analysis of Hedging Strategies for Optimal Risk Management in Islamic Banking Adelisa, Nur Rahma; Amelia, Reski; Nabila, Ila; Arsyad, Kamaruddin; Kamil, Muh. Ahsan
International Journal on Advanced Science, Education, and Religion Vol 8 No 3 (2025): IJoASER (International Journal on Advanced Science, Education)
Publisher : Sekolah Tinggi Agama Islam Al-Furqan, Makassar - Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33648/ijoaser.v8i3.1356

This study aims to analyze the implementation of hedging strategies as an optimal risk management approach in Islamic banking institutions in Indonesia. Facing global economic volatility and currency fluctuations, Islamic banks are required to adopt risk management policies that are not only financially effective but also compliant with Sharia principles. This research employs a qualitative approach using library research methods by reviewing academic literature, DSN-MUI fatwas. The findings reveal that internal factors such as liquidity, leverage, firm size, and financial condition significantly influence the decision to apply hedging within Islamic banks. Meanwhile, external factors—including government policies, regulatory changes, and global market dynamics—further reinforce the necessity of risk management strategies grounded in justice and sustainability. The implementation of Sharia-based hedging is proven to enhance financial stability, strengthen public trust, and improve the competitiveness of the Islamic financial industry at both national and international levels. This study contributes theoretically and practically to the development of innovative, ethical, and sustainable Sharia-compliant financial instruments

Pengaruh Model Pembelajaran Inkuiri Terbimbing Terhadap Keterampilan Berpikir Kritis Peserta Didik SMP Kelas VIII Pada Materi Getaran, Gelombang dan Bunyi Amelia, Reski; Hasanuddin; Saenab, Sitti
Diklabio: Jurnal Pendidikan dan Pembelajaran Biologi Vol 8 No 2 (2024)
Publisher : UNIB Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33369/diklabio.8.2.317-324

Penelitian dilakukan untuk: Mengetahui kategori keterampilan berpikir kritis peserta didik SMP kelas VIII sebelum dan setelah diajar model pembelajaran inkuiri terbimbing, mengetahui peningkatan keterampilan berpikir kritis peserta didik dan mengetahui pengaruh model pembelajaran inkuiri terbimbing terhadap keterampilan berpikir kritis peserta didik. Jenis penelitian ialah Quasi Experiment. Populasi dalam penelitian ialah seluruh peserta didik kelas VIII SMP Negeri 24 Makassar. Teknik Pengambilan sampel ialah Purposive Sampling. Teknik analisis data terdiri dari statistik deskriptif dan inferensial. Hasil penelitian diperoleh kategori keterampilan berpikir kritis peserta didik setelah diajar inkuiri terbimbing berada pada kategori tinggi dengan perolehan nilai rata-rata 68,51. Peningkatan keterampilan berpikir kritis peserta didik dilihat dari perolehan N-Gain 0,47, serta pengaruh model pembelajaran inkuiri terbimbing dilakukan melalui uji t diperoleh Ho ditolak dan Hi. Berdasarkan hasil maka dapat disimpulkan adanya pengaruh model pembelajaran inkuiri terbimbing terhadap keterampilan berpikir kritis peserta didik kelas VIII SMP Negeri 24 Makassar dengan kategori keterampilan berpikir kritis peserta didik berada pada kategori tinggi.

Analysis of Hedging Strategies for Optimal Risk Management in Islamic Banking Adelisa, Nur Rahma; Amelia, Reski; Nabila, Ila; Arsyad, Kamaruddin; Kamil, Muh. Ahsan
International Journal on Advanced Science, Education, and Religion Vol 8 No 3 (2025): IJoASER (International Journal on Advanced Science, Education)
Publisher : Sekolah Tinggi Agama Islam Al-Furqan, Makassar - Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33648/ijoaser.v8i3.1356

This study aims to analyze the implementation of hedging strategies as an optimal risk management approach in Islamic banking institutions in Indonesia. Facing global economic volatility and currency fluctuations, Islamic banks are required to adopt risk management policies that are not only financially effective but also compliant with Sharia principles. This research employs a qualitative approach using library research methods by reviewing academic literature, DSN-MUI fatwas. The findings reveal that internal factors such as liquidity, leverage, firm size, and financial condition significantly influence the decision to apply hedging within Islamic banks. Meanwhile, external factors—including government policies, regulatory changes, and global market dynamics—further reinforce the necessity of risk management strategies grounded in justice and sustainability. The implementation of Sharia-based hedging is proven to enhance financial stability, strengthen public trust, and improve the competitiveness of the Islamic financial industry at both national and international levels. This study contributes theoretically and practically to the development of innovative, ethical, and sustainable Sharia-compliant financial instruments

Ritual Perkawinan Adat dan Penalaran Hukum Islam: Analisis 'Urf tentang Tradisi Nipa'bajikang di kalangan Komunitas Muslim di Kabupaten Gowa Amelia, Reski
Shautuna: Jurnal Ilmiah Mahasiswa Perbandingan Mazhab VOLUME 7 ISSUE 1, JANUARY 2026
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/shautuna.v7i1.56866

This article discusses the traditional Nipa'bajikang wedding ritual practiced by the Je'ne Madingin Muslim community in Gowa Regency, Indonesia, within the framework of Islamic law reasoning based on the concept of 'urf. The main problem of this research is how the position of the Nipa'bajikang tradition in Islamic law and the extent to which the practice of the ritual can be classified as 'urf sahih or 'urf fasid. This research aims to analyze the form and meaning of the implementation of the Nipa'bajikang ritual, examine the views of religious leaders on the tradition, and assess its conformity with the principles of Islamic sharia through the 'urf approach. The research method used is qualitative with a descriptive-analytical approach. Data was obtained through field observations, in-depth interviews with traditional leaders, religious leaders, and communities, and documentation studies. The analysis was carried out by examining ritual practices against the principles of monotheism, prayer orientation, and benefit as the main parameters in the theory of 'urf. The results of the study show that the Nipa'bajikang ritual is understood and carried out as a medium of prayer and plea for blessings to Allah SWT., without belief in the supernatural power in the symbolic elements used. In addition, this ritual serves to strengthen ukhuwah, ta'awun, and social solidarity in the local Muslim community. Based on the criteria of 'urf, the tradition of Nipa'bajikang is categorized as 'urf sahih because it fulfills the elements of social enforcement, utility, and conformity with the principles of Islamic law. The implications of this study confirm the relevance of the concept of 'urf as a socio-legal framework in assessing local cultural practices and supporting the development of contextual Islamic legal reasoning in Indonesian Muslim society.

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